New York’s banks are getting a much bigger bang for your automated buck — while giving you little in interest earned.

ATM fees are soaring all over the metro area, saddling New Yorkers with the second-highest average out-of-network fees among 25 major metropolitan regions — a huge jump from sixth place last year, according to a new Bankrate.com survey.

ATM fees have shot up to $5.14 on average per transaction in New York, from $4.86 in last year — just 5 cents behind Pittsburgh, which has the highest fees of the 25 regions this year. Dallas had the lowest average in the survey this year, at $4.07 per transaction.

“When there is a tremendous concentration among the largest banks and thrifts in a metro area, and not a whole lot of competition, the survey reflects that in higher average fees,” said Greg McBride, chief financial analyst at Bankrate.com.

Not surprisingly, noncustomers who tap a bank’s ATM in New York may be in for a rude awakening. “No offense, but the big banks dominate the New York City footprint — and they have some of the biggest fees,” said Paul Gentile, president and CEO of the Cooperative Credit Union Association, which represents credit unions in Delaware, Massachusetts, New Hampshire and Rhode Island.

“New York is also one of the most expensive cities in the country,” he added, “so some people are more willing to pay ATM fees there, compared to other locations, like the Midwest.”

Besides that, McBride said that this low-interest-rate environment has driven banks and institutions to seek fee income from ATM and other charges.

Despite the advent of mobile and other convenient fee-free platforms for instant cash — and the ability of most consumers to avoid ATM fees altogether with prudent practices — overall US ATM industry fee revenue continues to skyrocket even as total transactions decline, according to Gentile.

ATM fees have set a record high for 11 consecutive years, and are up a whopping 55 percent the past decade, according to Bankrate.com.

The average total cost of an out-of-network ATM withdrawal in the US is now $4.69, up 2.6 percent from $4.57 last year. The fee usually includes a surcharge by the ATM owner on a noncustomer, and another fee imposed by an account holder’s bank for using a rival bank’s ATM.

JPMorgan Chase, Bank of America and Wells Fargo alone raked in more than $6.4 billion last year from ATM and overdraft fees, according to one study this year.